Julie Smallwood
Senior Mortgage Banker
My goal is to exceed any and all expectations of the loan process and offer the highest level of customer service. I am upfront, honest, and known to under promise and over deliver.
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Julie was very sweet and had a lot of knowledge. I really enjoyed working with her.
Reply from Julie Smallwood
January 29th, 2026 08:04 PM
It’s great to hear you enjoyed working together, Tara. I appreciate your kind words and am pleased that my knowledge was helpful throughout the process. If you have any future questions or need further assistance, I’m here to help.
Julie has brokered 2 mortages for me over the years, She is super responsive and easy going. We will definately be reaching out if we have the opportunity to refinance.
Reply from Julie Smallwood
November 1st, 2025 08:10 PM
Shane I was so grateful to help in the process of you purchasing your new home for your precious family! I am always here for you!
Julie Smallwood and her team was great!! Helped us out all the way and answered all of our questions.
Reply from Julie Smallwood
November 1st, 2025 08:10 PM
It was wonderful working with you and making your dream of homeownership come true!
Very easy to work with and was always communicating clearly on what was needed. she was always available for questions and responded quickly with examples or a clearer definition of what was needed and why
Reply from Julie Smallwood
January 29th, 2026 08:04 PM
I appreciate your thoughtful review, Tristen. I'm glad that the communication met your expectations and that you found the process straightforward. Being available to answer questions clearly is a priority for me, and I'm pleased to know it...
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Since one on one banking is no longer a thing all FIRST time home buyers should be met with at least intially after their application has been approved and most definately BEFORE putting a contract on a house. They should be given ALL of the...
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Julie is AMAZING. The buying experience can be stressful but she made it feel so light. Always doing whats best and communicating every single detail. Without a doubt, we recommend her!!!
Reply from Julie Smallwood
April 20th, 2026 06:56 PM
Thank you, Hanna, for your kind words! I'm pleased to hear that I could make the buying experience feel easier for you. Ensuring you felt well-informed and supported throughout the process is very important to me. Your recommendation is greatly...
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Extremely attentive, always available, always answered the phone, pleasant to work with . Julie is a professional.
Reply from Julie Smallwood
April 20th, 2026 07:00 PM
Philip, I really appreciate your kind words. I'm happy to know that you found my availability and attentiveness helpful during the refinance process. It was a pleasure working with you, and I'm grateful for your trust in my professionalism.
Thanks a lot for everything Julie!!!! 🙏🏽
Reply from Julie Smallwood
April 20th, 2026 07:01 PM
I appreciate your kind words, Juan! I'm glad I could assist you with everything. If you need anything else, feel free to reach out.
⭐️⭐️⭐️⭐️⭐️I had an absolutely incredible experience working with Julie Smallwood with Atlantic Bay during the home-buying process. She was everything you could hope for—friendly, kind, professional, and extremely knowledgeable. From start to...
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Reply from Julie Smallwood
April 20th, 2026 07:01 PM
Pamela, thank you so much for your kind words and thoughtful review! I'm pleased to hear that you had a smooth and stress-free home-buying experience with me at Atlantic Bay. It's important to me that my clients feel supported throughout the...
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Everything was great and she didn't quit on us. So thats all that matters. Thank You Julie!!🤗
Reply from Julie Smallwood
May 6th, 2026 02:49 PM
I'm grateful for your kind words, Hunter! I'm happy to hear that everything went great and that my dedication made a difference in your experience. If you need anything else, please feel free to reach out.
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About
My goal is to exceed any and all expectations of the loan process and offer the highest level of customer service. I am upfront, honest, and known to under promise and over deliver.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Home Renovation Loan
Mortgage Refinance
Medical Professional Mortgages
Fixed Rate Mortgages
USDA Loans
Self-Employed Mortgages
Ground-Up Construction Loans
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Year Started
2005
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 1074434
- Licensed in VA
Disclaimer
© 2024 Atlantic Bay Mortgage Group
Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.